भारतीय ǐरजव[ बɇक __________RESERVE BANK OF INDIA___________ _____________________________________________________________________________________________________________________ ___________________________ बैǑकं ग पǐरचालन और ǒवकास ǒवभाग, के Ûिȣय काया[लय, 13वी मंजील, के Ûिȣय काया[लय भवन, श. भगत िसंग माग[ , मुंबई - 400 001 Department of Banking Operations and Development, Central Office, 13th Floor, Central Office Building, S. Bhagat Singh Marg, Mumbai - 400 001 टेिलफोन/Tel.No.:91-22-22601000,टेिलफोन/Tel.No.(D):91-22-22701297,फै Èस/Fax No. 91-22-22701239, email ID: [email protected]ǑहÛदȣ आसान है , इसका योग बढाइये RBI/2013-14/666 DBOD.No.CID.BC.127/20.16.056/2013-14 June 27, 2014 All Commercial Banks (excluding RRBs) All India Notified Financial Institutions and All Credit Information Companies. Dear Sir / Madam Data Format for Furnishing of Credit Information to Credit Information Companies and other Regulatory Measures A Committee to Recommend Data Format for Furnishing of Credit Information to Credit Information Companies (Chairman: Shri Aditya Puri) was constituted by the Reserve Bank of India (RBI). The Report of the Committee was placed on RBI’s website on March 22, 2014 inviting comments on the recommendations of the Committee. A copy of the Report of the Committee is attached for reference. (http://rbi.org.in/scripts/PublicationReportDetails.aspx?UrlPage=&ID=763 ) 2. On examination of the recommendations of the Committee and the comments/suggestions received, it has been decided to implement the following recommendations with modifications, wherever appropriate: i. Creating Awareness about Credit Information Report (CIR): With a view to appreciating the benefits accruing to banks/FIs arising out of better screening of loan applicants and usage of CIR in credit appraisal, Credit Information Companies (CIC) should regularly hold workshops for banks/FIs, in association with Indian Banks’ Association (IBA) or Micro Finance Institutions Network (MFIN), as the case may be. [Recommendation 8.7 ] ii. Credit Information Reports (CIRs) / Credit Bureau Usage in all Lending Decisions and Account Opening: Banks/FIs should include in their credit
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बै कंग प रचालन और वकास वभाग, के ि य कायालय, 13वी मंजील, के ि य कायालय भवन, श. भगत िसंग माग, मंुबई - 400 001 Department of Banking Operations and Development, Central Office, 13th Floor, Central Office Building, S. Bhagat Singh Marg, Mumbai - 400 001 टेिलफोन/Tel.No.:91-22-22601000,टेिलफोन/Tel.No.(D):91-22-22701297,फै स/Fax No. 91-22-22701239, email ID: [email protected]
ह द आसान है, इसका ूयोग बढाइये
RBI/2013-14/666 DBOD.No.CID.BC.127/20.16.056/2013-14 June 27, 2014 All Commercial Banks (excluding RRBs) All India Notified Financial Institutions and All Credit Information Companies.
Dear Sir / Madam Data Format for Furnishing of Credit Information to Credit Information Companies and other Regulatory Measures
A Committee to Recommend Data Format for Furnishing of Credit Information to
Credit Information Companies (Chairman: Shri Aditya Puri) was constituted by the
Reserve Bank of India (RBI). The Report of the Committee was placed on RBI’s
website on March 22, 2014 inviting comments on the recommendations of the
Committee. A copy of the Report of the Committee is attached for reference.
RelationshipRelationship DUNS Number Related Type Relationship
Business Entity Name
Business Category
Business / Industry Type
Individual Name Prefix
Full Name GenderCompany Registration Number
Date of Incorporation Date of Birth PAN Voter ID
Passport Number Driving Licence ID UID Ration Card No CIN DIN TIN
Service Tax # Other IDPercentage of Control Address Line 1 Address Line 2 Address Line 3 City/Town
District State/Union Territory Pin Code Country Mobile Number(s)Telephone Number(s)
Telephone Area Code
Fax Number(s) Fax Area Code Filler
Fields
5
Segments
Credit Facility Account NumberPrevious Account Number
Facility / Loan Activation / Sanction Date
Sanctioned Amount/ Notional Amount of Contract Currency Code Credit Type
Tenure / Weighted Average maturity period of Contracts
Repayment Frequency Drawing Power
Current Balance / Limit Utilized /Mark to Market
Notional Amount of Out-standing Restructured Contracts
Loan Expiry / Maturity Date Loan Renewal Date
Asset Classification
Asset Classification Date
Amount Overdue / Limit Overdue
Overdue Bucket 01 ( 1 – 30 days)
Overdue Bucket 02 ( 31 – 60 days)
Overdue Bucket 03 ( 61 – 90 days)
Overdue Bucket 04 (91 – 180 days)
Overdue Bucket 05 (Above 180 days)
High Credit Installment Amount Last Repaid Amount Account StatusAccount Status Date Written Off Amount Settled Amount
Major reasons for Restructuring
Amount of Contracts Classified as NPA
Asset based Security coverage
Guarantee Coverage
Bank Remark Code
Wilful Default Status
Date Classified as Wilful Default
Suit Filed Status Suit Reference NumberSuit Amount in Rupees Date of Suit Dispute ID No.
Transaction Type Code Filler
Guarantor Guarantor DUNS Guarantor Type Business CategoryBusiness / Industry Type
Guarantor Entity Name
Individual Name Prefix Full Name
GenderCompany Registration Number Date of Incorporation Date of Birth PAN Voter ID Passport Number
Driving Licence ID UID Ration Card No CIN DIN TIN Service Tax #
Other ID Address Line 1 Address Line 2 Address Line 3 City/Town DistrictState/Union Territory
Pin Code Country Mobile Number(s)Telephone Area Code
Telephone Number(s) Fax Area Code Fax Number(s)
Filler
Security Value of Security Currency Type Type of SecuritySecurity Classification Date of Valuation Filler
Dishonour of Cheques Segment Identifier Date of Dishonour Amount
Instrument / Cheque Number
Number of times dishonoured Cheque Issue Date
Reason for Dishonour
Filler
File ClosureNumber of Borrower Segments
Number of Credit Facility Segments Filler
Fields
********
6
Annex II [Ref: Para 2 (iv)]
Uniform Credit Reporting Format for Micro Finance Institution (MFI) Segment
Field No.
Segment Field Name Character Type
Length Required/ Required
when present
Comments
1 Member Segment Identifier
A/N 6 Required Must contain the value "CNSCRD" to identify the Member Segment.
2 Member Member Identifier
A/N 35 Required Customer ID
3 Member Branch Identifier
A/N 30 Required
4 Member Kendra/Centre Identifier
A/N 30 Required
5 Member Group Identifier A/N 20 Required when present
This is a required field if Loan Category is T01 or T02
6 Member Member Name 1
A/N 100 Required
7 Member Member Name 2
A/N 50 Required when present
8 Member Member Name 3
A/N 50 Required when present
9 Member Alternate Name of Member
A/N 30 Required when present
10 Member Member Birth Date
D (DDMMCCYY)
8 Required
11 Member Member Age N 3 Required 12 Member Member's age
as on date D (DDMMCCYY)
8 Required Provide either of the below: 1. Date on which Member Age (field 11) is calculated by lender 2. Date on KYC document from which Member Age (field 11) is calculated by lender
27 Member Nominee Age N 3 Required 28 Member Voter's ID A/N 20 Required when
present
29 Member UID A/N 40 Required when present
30 Member PAN A/N 15 Required when present
31 Member Ration Card A/N 20 Required when present
32 Member Member Other ID 1 Type description
A/N 20 Required when present
Provide type of ID provided if ID is other than Voter ID, UID, PAN or Ration Card
33 Member Member Other ID 1
A/N 30 Required when present
34 Member Member Other ID 2 Type description
A/N 20 Required when present
Provide type of ID provided if ID is other than Voter ID, UID, PAN or Ration Card
35 Member Member Other ID 2
A/N 30 Required when present
36 Member Other ID 3 Type A/N 20 Required when present
Provide type of ID provided if ID is other than Voter ID, UID, PAN or Ration Card
37 Member Other ID 3 Value
A/N 30 Required when present
38 Member Telephone Number 1 type Indicator
A/N 3 Required when present
Enumeration: P01-Residence P02-Company P03- Mobile P04-Permanent P07-Other P08-Un tagged
10
Field No.
Segment Field Name Character Type
Length Required/ Required
when present
Comments
39 Member Member Telephone Number 1
A/N 15 Required when present
If landline, affix STD Code
40 Member Telephone Number 2 type Indicator
A/N 3 Required when present
Enumeration: P01-Residence P02-Company P03- Mobile P04-Permanent P07-Other P08-Un tagged
41 Member Member Telephone Number 2
A/N 15 Required when present
If landline, affix STD Code
42 Member Poverty Index N 20 Required when present
43 Member Asset ownership indicator
A/N 1 Required when present
Enumeration: Y- Yes N- No
44 Member Number of Dependents
N 2 Required when present
45 Member Bank Account - Bank Name
A/N 50 Required when present
Provide bank in which borrower is maintaining Savings Bank A/C
46 Member Bank Account - Branch Name
A/N 50 Required when present
Provide branch name in which borrower is maintaining Savings Bank A/C
47 Member Bank Account - Account Number
A/N 35 Required when present
Provide Savings Bank A/C number
48 Member Occupation A/N 50 Required when present
49 Member Total Monthly Family Income
N 9 Required
50 Member Monthly Family Expenses
N 9 Required
51 Member Member's Religion
A/N 3 Required when present
Enumeration: R01 - Hindu R02 - Muslim R03 - Christian R04 - Sikh R05 - Buddhist R06 - Jain R07 - Bahai R08 - Others R09 - Religion not stated
52 Member Member's Caste
A/N 30 Required when present
11
Field No.
Segment Field Name Character Type
Length Required/ Required
when present
Comments
53 Member Group Leader indicator
A/N 1 Required when present
Enumeration: Y- Yes N- No U- Untagged
54 Member Centre Leader indicator
A/N 1 Required when present
Enumeration: Y- Yes N- No U- Untagged
55 Member Dummy A/N 30 Required when present
Reserved for future use
56 Address Segment Identifier
A/N 6 Required Must contain the value "ADRCRD" to identify the Address Segment.
57 Address Member's Permanent Address
A/N 200 Required House No, Street Name, Locality Name, City / Village
58 Address State Code (Permanent Address)
N 2 Required Must be a code as defined in Appendix A
59 Address Pin Code (Permanent Address)
N 10 Required Provide complete 6 digit PIN Code
60 Address Member's Current Address
A/N 200 Required House No, Street Name, Locality Name, City / Village
61 Address State Code (Current Address)
N 2 Required Must be a code as defined in Appendix A
62 Address Pin Code (Current Address)
N 10 Required Provide complete 6 digit PIN Code
63 Address Dummy A/N 30 Required when present
Reserved for future use
64 Account Segment Identifier
A/N 6 Required Must contain the value "ACTCRD" to identify the Account Segment.
65 Account Unique Account Reference number
A/N 35 Required This field will not change even if the Account number in MFI system changes. This field must be consistent on each submission basis to avoid duplication of information.
N 9 Required Provide amount payable in a single instalment
87 Account Current Balance (Rupees)
N 9 Required Provide principal outstanding
88 Account Amount Overdue (Rupees)
N 9 Required
89 Account DPD (Days past due)
A/N 3 Required when present
Enumeration: 000 = 0 payments past due (current account) with Positive Balance 001 to 999 = Number days past due. If an account is above 999 days, mark as 999 XXX = No payment history available for this month
90 Account Write Off Amount (Rupees)
N 9 Required when present
91 Account Date Write-Off (if written-off)
D (DDMMCCYY)
8 Required when present
14
Field No.
Segment Field Name Character Type
Length Required/ Required
when present
Comments
92 Account Write-off reason (if written off)
A/N 20 Required when present
Enumeration: X01- First Payment Default X02-Death X03-Willful Default Status X04-Suit Filed, Wilful Default StatusX09-Untagged X10 - Not Applicable